🏠 Home insurance cost in Rochester, MN (2027)
Estimated average: $2,415 per year — +5% vs. the U.S. average of $2,300.
With about 121,878 residents, Rochester is a mid-size city and the #3 largest city in Minnesota. Home insurance rates here are estimated at $2,415 per year, near the Minnesota average of $2,415 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Rochester with other Minnesota cities.
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Rochester home insurance estimator
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Rochester home insurance FAQ
How much is home insurance in Rochester, MN?
The estimated average is $2,415 per year — about the state average (0% vs. the Minnesota average of $2,415, and +5% vs. the U.S. average).
Is home insurance more expensive in Rochester than elsewhere in Minnesota?
Rochester has about 121,878 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Rochester?
Compare at least three quotes from insurers active in Rochester, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.